# Jose Armenta

> Jose Armenta is a fee-only financial advisor at Create Your Path in San Diego, California, who holds the CFP, ChFC and EA credentials. Jose charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees (ongoing planning from $2,700 a year and one-time plans from $395) and focuses on retirement planning, estate & legacy planning and tax planning.

Page: https://find.wellspent.co/advisors/jose-armenta/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Firm:** Create Your Path
- **Based in:** San Diego, California
- **Fee model:** Flat fee or retainer; Ongoing planning fee; One-time planning fee; Hourly
- **Fees (firm's website):** ongoing planning from $2,700 a year; one-time plans from $395; $200 an hour
- **Works virtually:** Yes (firm's website)
- **Accepting new clients:** Yes (firm's website)
- **Assets under management (firm):** $1.6M across 26 accounts
- **Credentials:** CFP, ChFC, EA, MSBA, MSFP
- **Specialties:** Retirement planning, Estate & legacy planning, Tax planning
- **CRD:** 7032493 (https://adviserinfo.sec.gov/individual/summary/7032493)
- **SEC registration:** Investment adviser representative in CA, TX
- **Exams passed:** Series 65 (2018)
- **Firm size:** 1 employee
- **Disclosures:** None reported
- **Website:** https://createyourpathfp.com

## Frequently asked questions

### Is Jose Armenta a fee-only financial advisor?

Yes. Jose Armenta is listed in the NAPFA directory (NAPFA admits only fee-only advisors) and the XY Planning Network directory (XYPN members are fee-only). SEC records as of October 27, 2026 show no broker registration and no commission compensation reported by Jose's firm.

### How does Jose charge for financial advice?

Jose charges a flat fee or retainer, an ongoing planning fee, a one-time planning fee and hourly fees.

### How much does Jose charge?

According to Create Your Path's website, checked October 28, 2026: ongoing planning from $2,700 a year; one-time plans from $395; $200 an hour.

### Does Jose work with clients virtually?

Yes. Create Your Path says on its website that it works with clients remotely.

### Where is Jose Armenta based?

Jose Armenta is based in San Diego, California.

### What does Jose specialize in?

Jose's specialties include retirement planning, estate & legacy planning and tax planning.

### What credentials does Jose Armenta hold?

Jose Armenta holds the CFP, ChFC, EA, MSBA and MSFP credentials.

### Is Jose Armenta registered with the SEC?

Yes. Jose Armenta is registered as an investment adviser representative in CA and TX (CRD 7032493), per SEC Investment Adviser Public Disclosure data as of October 27, 2026.

### How much does Create Your Path manage?

Create Your Path reports $1.6M across 26 accounts in assets under management.

### How do I contact Jose Armenta?

Through Jose's website, createyourpathfp.com.

## Sources

- NAPFA directory listing (https://www.napfa.org/find-an-advisor/firm/46059): NAPFA admits only fee-only advisors
- XY Planning Network directory listing: XYPN members are fee-only
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 27, 2026
- The firm's website (https://createyourpathfp.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.